Auto InsuranceQuestion 12 of 215
When California UM bodily injury coverage is purchased without a written waiver, what is the minimum amount the insurer must offer?
a.$10,000 per person / $20,000 per accident
b.$30,000 per person / $60,000 per accident
c.$25,000 per person / $50,000 per accident
d.$100,000 per person / $300,000 per accident
Explanation
Insurance Code §11580.2 requires that UM bodily injury be offered at limits equal to the policy's liability limits, but not less than the financial responsibility minimum of $30,000 per person and $60,000 per accident. SB 1107 raised this minimum effective January 1, 2025 (up from the former $15,000/$30,000). The named insured may, in writing, elect higher matching limits or reduced UM limits (but not below 30/60) or waive UM altogether.
Law Reference: Cal. Ins. Code §11580.2Practice all 215 questions free — no signup required.
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